Income Tax Calculator
Estimate tax under the new regime slabs, including standard deduction and cess.
Your inputs
New regime slabs with a ₹75,000 standard deduction, the Section 87A rebate up to ₹12L taxable income, and 4% health & education cess.
Tax at different income levels
| Gross income | Tax + cess | Take-home |
|---|---|---|
| ₹5,00,000 | ₹0 | ₹5,00,000 |
| ₹10,00,000 | ₹0 | ₹10,00,000 |
| ₹15,00,000 | ₹97,500 | ₹14,02,500 |
| ₹20,00,000 | ₹1,92,400 | ₹18,07,600 |
| ₹30,00,000 | ₹4,75,800 | ₹25,24,200 |
| ₹50,00,000 | ₹10,99,800 | ₹39,00,200 |
Monthly breakdown
What gross income do I need for a target take-home?
Work backward from the annual take-home you want, under new-regime rules.
This calculator uses new-regime rules only. If you have deductions like 80C, 80D, or home loan interest, the old regime might work out cheaper — compare both, or check your HRA exemption and the ₹12L rebate cliff separately.
Estimates only. Figures are indicative and do not constitute financial advice.
About the Income Tax Calculator
If you've ever typed "income tax calculator" into Google right before filing your ITR, you already know the drill — you want a quick, accurate number for how much income tax you'll pay this year, without digging through a PDF of tax slabs. This income tax calculator does exactly that: enter your annual salary or gross income, and it works out your taxable income, income tax, and health & education cess under India's new tax regime, instantly and entirely in your browser.
The new regime (the default option for most taxpayers since Budget 2023, with updated slabs from Budget 2025) applies a flat standard deduction of ₹75,000 and taxes the rest of your income in slabs — nil up to ₹4 lakh, then 5%, 10%, 15%, 20%, 25%, and 30% as income rises, plus a 4% cess on the tax amount. That's a very different calculation from the old regime, which allowed deductions like 80C, HRA, and home loan interest but taxed income at higher rates. This tool focuses on the new regime since that's what most salaried employees, freelancers, and first-time taxpayers now use by default — useful whether you're comparing take-home pay across job offers, planning a salary hike, or just want to know your tax liability for FY 2025-26 before the ITR filing deadline.
How to use this calculator
- Enter your annual gross salary or income.
- Add any other taxable income (freelance, interest, rental, etc.).
- Read your taxable income, tax amount, cess, and total tax payable instantly.
- Use Copy summary to save the breakdown for your own records or your CA.
Frequently asked questions
›What is the new tax regime in income tax?
The new tax regime is the default tax structure in India since FY 2023-24, with lower slab rates than the old regime but no deductions like 80C, 80D, or HRA exemption. It offers a flat ₹75,000 standard deduction instead.
›How is income tax calculated on salary in India?
Your taxable income (gross income minus the standard deduction) is taxed slab by slab at increasing rates, and a 4% health & education cess is added on top of the total tax amount to arrive at your final tax payable.
›Is standard deduction available in the new regime?
Yes — a flat ₹75,000 standard deduction applies to salaried individuals and pensioners under the new regime, reducing your taxable income before slab rates are applied.
›Does this calculator include deductions like 80C or HRA?
No. Those deductions apply only under the old tax regime, which this calculator doesn't model, since most taxpayers now default to the new regime.
›What is health and education cess?
It's an additional 4% charge calculated on your income tax amount (not your income), collected to fund health and education initiatives, and it's included automatically in this calculator's result.
›What gross income do I need for a specific take-home pay?
Use the reverse calculator below the main tool — enter your target annual take-home and it works backward to the gross income (under new-regime rules) that would produce it.
›Should I compare the old and new regime before filing?
Yes, especially if you have meaningful 80C, 80D, HRA, or home loan interest deductions — the old regime can still work out cheaper for some taxpayers. Use the Old vs New Regime Calculator linked below to see the numbers side by side for your specific income and deductions.
What affects income tax?
- Gross income
- Total income before the standard deduction — salary, freelance, interest, rental, and other taxable sources combined.
- Standard deduction
- A flat ₹75,000 reduces taxable income automatically under the new regime, before slab rates are applied.
- Section 87A rebate and marginal relief
- Taxable income up to ₹12 lakh is effectively tax-free, with marginal relief smoothing the transition just above that threshold so tax never rises by more than the income that crossed it.
- Cess
- A 4% charge on the tax amount itself (not on income) is added to arrive at the final payable figure.
- Regime choice
- This calculator models the new regime only — the old regime, with its deductions, can still be cheaper for some taxpayers depending on how much they can claim.
Related calculators
Read the full guide
How Income Tax Is Calculated in India: New vs Old Regime Explained